Does Home Insurance Cover Your Personal Property?

Homeowners insurance is an important policy with different coverage options that protect your largest asset from claims and financial liabilities. However, protecting your personal assets in your home is also prudent. These are the possessions you’ve worked your entire life for, and they are worth preserving. Do generic homeowner policies protect your personal property, though? 

According to the Indiana Department of Insurance, homeowners insurance will cover some of your family’s personal property. These items include furniture, rugs, clothing, and appliances. However, you may not be able to attain insurance that will protect 100 percent of your personal property. The percentage of coverage you receive will be stated in your policy. It is important to document all of your personal property though, in case you have to file a claim for reimbursement. 

Sitting down with a qualified insurance professional at Kevin Dennis Insurance Agency in Mishawaka, IN is an important first step in protecting your home and assets. There are different types of homeowner policies, and knowing the nuances of the industry and available options is key for optimal protection. Working with a diligent professional that understands your needs can have a huge impact on your insurance policy. Your risk mitigation strategy should include using an insurance agent that will work with you to help preserve your financial well-being, in an efficient and cost-effective method. 

To learn more about home insurance and coverage options, please contact Kevin Dennis Insurance Agency in Mishawaka, IN today. The right insurance policy can help protect your home and personal assets while giving you peace-of-mind. Look to insurance professionals that understand the nuances of home policies for guidance and effective risk mitigation.